Checking_Account(I)支票賬戶(hù)

字號(hào):

When a bank makes a payment on a check, it cancels the check. That is, it marks the check with some kind of stamp so that the check cannot be used again. Postage stamps are also canceled to indicate that they have been used and cannot be used again.
     當(dāng)銀行兌付支票時(shí)要予以注銷(xiāo),也就是說(shuō),銀行要用某種戳記蓋在支票上,支票就不會(huì)再使用了。郵票也要注銷(xiāo),表明郵票已經(jīng)用過(guò),不能再用。
     If you have a checking account, the bank sends you your canceled checks along with your monthly statement. These checks can be used instead of receipts. They can be used as proof that payment has been made.
     如果你有支票賬戶(hù),銀行每月把你的付訖支票連同月度清單送給你。這些支票可以代替收據(jù),當(dāng)作付款的證據(jù)。
     If you open an account or if you want to cash a check, you must provide proof of your identity. In the U. S., a driver's license is probably the most frequently used kind of identification. Passports are always acceptable for this purpose. When you open an account, you are asked to fill out a signature card. You must be careful to sign your name exactly as you intend to write it on your checks. The bank compares the signature on your checks with that on your signature card. If there is any doubt about the signature, the bank will refuse to cash the check and will return the check to the endorser. A check must be endorsed before it can be cashed - that is, the person or company to whom the check is made out must sign it on the back.
     如果你要開(kāi)戶(hù),或想兌現(xiàn)支票,必須提供你的身份證件。在美國(guó),駕照也許是最常用的身份證件,護(hù)照一直當(dāng)作身份證使用。在你開(kāi)戶(hù)時(shí),銀行會(huì)要你填寫(xiě)一張印鑒卡,你必須認(rèn)真地簽字,它要同你今后在支票上的簽字完全相符,銀行會(huì)將支票上的簽字與你印鑒卡上的簽字核對(duì)。如果銀行對(duì)簽字的真實(shí)性有懷疑,它將會(huì)拒絕兌現(xiàn)支票,將支票退給背書(shū)人。支票在兌現(xiàn)之前必須先背書(shū),也就是說(shuō),支票向其開(kāi)出的個(gè)人或公司必須在支票的背面簽字。
     When you put money in the bank, you write the date and the amount deposited on a deposit slip.
     當(dāng)你到銀行存款時(shí),你要在存款憑條上寫(xiě)明日期和所存的金額。
     At the end of the month, the bank sends you a statement of your account. The statement provides a summary of the checks that have been paid and the deposits that have been made. The amount that is left in your account after the cheeks have been deducted and the deposits have been credited is the balance.
     到月底,銀行會(huì)把賬戶(hù)的對(duì)賬單送給你,對(duì)賬單提供了支票付款及存款的情況摘要。在扣除了支票款及貸記的存款額之后,賬戶(hù)上剩下的金額就是余額。